Buying, storing, and selling food and beverages in bulk involves unique risks. A fire or power outage could destroy your inventory and provide a major setback to a small wholesaler. Business insurance kicks in when disaster strikes, so you can recover from lawsuits, property damage, and theft.
Commercial general liability insurance covers basic risks, such as customer property damage and injuries. Bundle it with commercial property insurance for savings in a BOP.
Most states require workers' comp for food distribution businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
A BOP bundles general liability insurance with commercial property coverage in one plan. It's often the most cost-effective small business insurance for food and beverage wholesalers.
Commercial umbrella insurance boosts the liability coverage on your general liability insurance, commercial auto insurance, and employer’s liability insurance policies.
Business auto insurance covers liability claims resulting from an accident involving a food wholesaler’s truck or other work vehicle. It can pay for property damage or injuries caused by your vehicle.
A cyber liability policy helps food wholesalers recover from data breaches and cyberattacks. It's recommended for any business that stores credit card numbers or other sensitive data.
It's easy to get business insurance and surety bonds for food and beverage wholesalers and food manufacturers if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your wholesale food and beverage business, whether you work independently or hire employees.